Speeding ticket with motobility car

Lmsmith

So, I got a motobility car in may this year. I have been driving 12 years with no incident s but today I had a speeding ticket in the post I'm so upset, I am a very careful driver and don't intentionally speed any where.

Does anyone know if I get points on my licence will my motobility car be taken away? I don't know what I will do without that car

waamo

If you were just a little over the limit you should get offered a speed awareness course. If you accept the course there are no points.

Lmsmith

So if I can go on the course then do I have to let motobility know or is that just if I get points ?

waamo

Generally speaking you don't have to tell anybody about the course (one insurance group ie Admiral ask but no others) but check your contract first.

Stoke

Admiral, Bell, Elephant, basically that group of insurers like to know (although are you even under obligation to tell them). The rest don't care.

The course is worth the money to avoid points.

George_Michael

Stoke wrote: »

Admiral, Bell, Elephant, basically that group of insurers like to know (although are you even under obligation to tell them)

As with any questions asked when taking out insurance, if they ask then yes, you are under a legal obligation to inform them.
If you are asked and lie about the course it's unlikely that they will find out but this doesn't absolve you from the need to answer truthfully.

Stoke

George_Michael wrote: »

As with any questions asked when taking out insurance, if they ask then yes, you are under a legal obligation to inform them.
If you are asked and lie about the course it's unlikely that they will find out but this doesn't absolve you from the need to answer truthfully.

But the whole point of the courses is that you don't have to declare it.

Mercdriver

Stoke wrote: »

But the whole point of the courses is that you don't have to declare it.

No it's not. It's in lieu of points not instead of keeping to your contractual and legal obligations.

Car_54

Stoke wrote: »

But the whole point of the courses is that you don't have to declare it.

Not according to the organisers "The main aim of the course is to prevent motorists re-offending i.e. doing the same thing again."

If an insurer asks, you are obliged to answer truthfully. Although there is no way at present for the insurer to check, that may change.

Stoke

Meh. Just don't go with one that asks. Bell, Admiral and Elephant have never been that cheap anyway...

Aretnap

Stoke wrote: »

Meh. Just don't go with one that asks. Bell, Admiral and Elephant have never been that cheap anyway...

Given it's a Motability car the OP doesn't have much choice about who insures it with. It will be insured through RSA who require "Full details of any motoring convictions, licence endorsements, fixed penalty notices and claims in the last five years." A speed awareness course doesn't come under any of those headings, so would not have to be declared.

FWIW even if you didn't get the course, it's extremely unlikely that a single speeding ticket would result in RSA refusing to insure you. If you started to get a lot of tickets, or you were convicted of more serious offences, then you might have more of a problem.